events better to save too much, than spend too much. One may remedy the
first defect, but not so easily the latter. Wherever there is a large
family, the more money that is put to one side and saved, the better.

Economy is necessary to the moderately rich, as well as to the
comparatively poor man. Without economy, a man cannot be generous. He
cannot take part in the charitable work of the world. If he spends all
that he earns, he can help nobody. He cannot properly educate his
children, nor put them in the way of starting fairly in the business of
life. Even the example of Bacon shows that the loftiest intelligence
cannot neglect thrift without peril. But thousands of witnesses daily
testify, that men even of the most moderate intelligence, can practise
the virtue with success.

Although Englishmen are a diligent, hard-working, and generally
self-reliant race, trusting to themselves and their own efforts for
their sustenance and advancement in the world, they are yet liable to
overlook and neglect some of the best practical methods of improving
their position, and securing their social well-being. They are not yet
sufficiently educated to be temperate, provident, and foreseeing. They
live for the present, and are too regardless of the coming time. Men who
are husbands and parents, generally think they do their duty if they
provide for the hour that is, neglectful of the hour that is to come.
Though industrious, they are improvident; though money-making, they are
spendthrift. They do not exercise forethought enough, and are defective
in the virtue of prudent economy.

Men of all classes are, as yet, too little influenced by these
considerations. They are apt to live beyond their incomes,--at all
events, to live up to them, The upper classes live too much for display;